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Account Name Minimum to Open Min. Balance
to Obtain APY (1)
Current Rate Current APY


PERSONAL CHECKING

ePremium Checking*

$100

$1.00

1.00%

1.00%

eFree Checking*

$100

$1.00

0.50%

0.50%


MONEY MARKET / MONEY MARKET IRAs

ePremier Money Market*

$1,000

$1.00

Daily Balances of:
up to $9,999.99

 

 

1.49%

1.50%

$10,000.00 to $24,999.99

  

  

1.73%

1.75%

$25,000.00 to $49,999.99

 

 

1.98%

2.00%

$50,000.00 to $99,999.99

 

 

2.47%

2.50%

$100,000 and up

 

 

2.47%

2.50%


PERSONAL SAVINGS

eSavings*

$100

$1.00

1.49%

1.50%


CERTIFICATES OF DEPOSIT / CERTIFICATE OF DEPOSIT IRAs**

3-month

$1,000

$1,000

3.20%

3.25%

6-month

$1,000

$1,000

3.20%

3.25%

1-year

$1,000

$1,000

3.20%

3.25%

18-month

$1,000

$1,000

3.20%

3.25%

2-year

$1,000

$1,000

3.20%

3.25%

30-month

$1,000

$1,000

2.98%

3.00%

3-year

$1,000

$1,000

2.98%

3.00%

4-year

$1,000

$1,000

2.98%

3.00%

5-year

$1,000

$1,000

2.98%

3.00%


Interest Rates and Annual Percentage Yields are current as of April 23, 2008.

*Interest rate and Annual Percentage Yield (APY) may change after account opening. Fees may reduce earnings on the account. eFree checking has no minimum balance requirement and no monthly service charge. ePremium checking has a $2,500 minimum daily balance or $5,000 average daily balance to avoid a monthly service charge. If balance is not maintained, the monthly service fee is $10.00.

**Penalty may be imposed for early withdrawal

1) Daily Balance. The amount of the principal in the account each day.